Payzin is a free Android application that offers peer-to-peer lending with up to 35% returns and a best-in-class disbursement system. This app empowers lenders to invest and grow their money with a range of investment options. The app allows lenders to register, complete their KYC, link their bank account, and load their funds into their wallet to start investing. The returns are automatically credited to the lender's bank account, and the locking period for the investments ranges from 90 to 180 days.

Investment options are divided into four classes, with class A having an investment range of ₹5,000 to ₹200,000 and a 12% return. Class B has an investment range of ₹200,001 to ₹600,000 and a 15% return, while class C has an investment range of ₹600,001 to ₹10,00,000 and a 20% return. For class D, the investment range is ₹10,00,001 and above, with a higher return. Lenders can choose the investment class that best suits their financial goals.

Payzin is a reliable and easy-to-use platform for P2P lending, offering high returns and a secure disbursement system.